After having a conversation with a colleague this past week – where we dove in to the necessity of critical illness insurance – for most of us, we know this kind of insurance as cancer, accident, heart attack, hospital income, and even disability insurance – we debated how far the market has evolved – and then the poor joke of “heaven help us – we lived”.

Just how we are surviving/living is the issue.

I deal with many clients who are going on the thought that they have very generous friends and family to fall back on for money and time when they are struck with a critical illness – If you are one of these unprepared individuals, I invite you to have the conversation with your friends/family and let them know what you expect of them.  I think you will be surprised by the outcome.

Here is what I have to say:   Most of us do not have the financial/time resources to give you.  We will be your friend/family to love and emotionally support you – but please treat us with respect and be responsible and allow us this benefit and the opportunity to be the kind of friend/family you will emotionally need.  Take care of yourself, first.